Medical Coverage

	Health

	Medical Coverage

		Comparing Your Options

		Cost of Coverage

		Enrollment Decisions

		Filing Claims

		FAQs

	Prescription Drug Coverage

	Dental Coverage

	Vision Coverage

	Retiree Healthcare Coverage

	COBRA Coverage

	Healthy Living Resources

	EAP/Mental Health Benefits

Medical Coverage

Transition of Care

If you or a covered dependent ("member") are transitioning from another healthcare provider to UnitedHealthcare and are currently undergoing a course of treatment for a serious illness or ongoing condition, the member may be eligible for temporary "Transition of Care" (TOC) benefits. TOC allows a member to continue to see his/her current provider(s) and receive the in-network level of benefits to complete a course of treatment, even if those providers do not participate in UHC's ChoicePlus network. You must have approval to receive TOC benefits. Please review the TOC Memo and Application for more details.

The McGraw-Hill Companies has three medical options from which to choose:

The Core Option – The Core Option provides comprehensive in- and out-of-network benefits, a wide range of low-cost preventive and routine care services, and affordable contribution amounts. For a detailed summary of this option, see the Core Option Benefit Highlights.

The Traditional Option – The Traditional Option provides a high level of coverage, lower out-of-pocket expenses for more extensive care than under the Core Option or Account-based Option. However, contributions for coverage are substantially higher than under the other medical options. For a detailed summary of this option, see the Traditional Option Benefit Highlights.

The Account-based Option – The Account-based Option provides preventive coverage and the opportunity to save for future healthcare expenses. The option includes a high deductible for non-preventive care, but it is partially offset by a company-funded Health Reimbursement Account (HRA) that carries over the portion, if any, that you do not use during the year. For a detailed summary of this option, see the Account-based Option Benefit Highlights.

Out-of-Area Option

Employees who live in areas without easy access to the United Healthcare Choice Plus network and elect medical coverage will only have access to the Out-of-Area option. Out-of-Area coverage is typically only available in rural areas. Coverage is similar to the in-network level of benefits available under the Core Option. That means that you can see any licensed provider and still receive the Core Option's high in-network level of benefits. For a detailed summary of this option, see the Out-of-Area Option Benefit Highlights.

You can confirm if you are eligible for the Out-of-Area Option by using the eValuator™ tool. Follow these simple steps:

1. Go to https://www.my-evaluator.net/mcgrawhill/welcome.aspx.

2. At the Login page you will be prompted to enter some basic information, including your home ZIP code, your annual salary in round dollars, and the dependents you want to be covered. Then click the "Submit" button.

3. At the Welcome page, select the "Cost Comparison" button and follow the prompts to set up a Health Profile.

4. Click "See Results" — eValuator will then return a list of your eligible medical options.

S&P Option

The S&P Option is only available for certain Standard & Poor's employees who are currently enrolled in this option. For a detailed summary of this option, see the S&P Option Benefit Highlights.

Expatriates

Expatriates have access to medical coverage through Global Choice, offered by BUPA International in conjunction with UnitedHealthcare.

For more information about Global Choice, call +44(0) 1273-773-736 or visit www.bupa-intl.com/membersworld.